Firerooster
Junior Member
U as the driver are responsible for any and all occupants of the vehicle at all times. Whether or not occupant chooses to wear seatbelt is now the responsibility of that occupant and leaves them open for citation should law enforcement deem neccesary. However should injury or death occur it is the insured owners responsibility. Whether or not insured was even in the vehicle or not during the time of the injury or death occurred. Thus YES you are at fault for his elbow injury and if you do not carry enough liability/injury coverage then yes you will pay out of pocket for your friends rehabilitation. Sorry man
